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I spent fairly a little bit of time currently trying on the newest in insurtech. What’s nice about zooming in on a sector is that I hear issues that I didn’t anticipate. Speaking to traders has additionally helped me verify a few of my instinct on matters like money diversification and M&As. — Anna

Insurtech faceoff: B2B vs. B2C

Once I reached out to traders not too long ago for our newest insurtech survey, I used to be curious to understand how the economic system was affecting insurance coverage buy selections and whether or not this made B2B firms extra interesting to VCs than their B2C friends.

My reasoning was that inflation might be weighing so closely on household budgets that they could determine to chop down spending on bills corresponding to insurance coverage. Maybe not the very best name, but when it’s both meals or higher insurance coverage, the selection turns into simpler.

Whereas companies have additionally been seeking to minimize prices, they’re much less prone to forgo insurance coverage, particularly for the dangers they’re extra uncovered to. For insurtech startups, this may create an setting by which it’s simpler to promote B2B merchandise than B2C ones. However is it really the case?

As normal, it seems that the reply is extra difficult than a easy sure or no — but in addition extra attention-grabbing.